We applied for a reverse mortgage and previously operated a small Bed and Breakfast to supplement our income. However, we closed it at the end of last year after my husband had a stroke, and I became his full-time caregiver. He is improving, learning to walk again, and undergoing therapy. We have been working with this agency for almost a year, but every time we reach a certain point in the process, they request additional documents, such as proof of medical bills. We have gone through two credit counselors and two appraisals due to expired time limits. The most recent appraiser was challenging to work with—she did not ask any questions, made incorrect assumptions about the property, and refused to take input from us as homeowners. We have submitted a written response to the agent we’re working with, but it appears we are being denied based on this appraisal. We believe we have been unfairly treated. The appraiser arrived early on a Monday morning, following a weekend when our family had been visiting to help care for my husband. I don’t drive, and my husband cannot, so our family takes us out occasionally. When she saw breakfast dishes in the sink, she assumed we had been serving guests and were still running a Bed and Breakfast. She did not ask about the situation, and if she had, I could have explained that the family had helped with breakfast before we left for a doctor’s appointment. Instead, she assumed and reported that we were still operating a Bed and Breakfast. Is there any way to challenge this?